Acquiring Risk Fraud Analyst

Wise · Tallinn, , Estonia

  • Junior
  • Full-time
  • Posted 2026-09-18
  • Confirmed live on 25 September 2026

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Job description

Job Description
We’re looking for an Acquiring Risk Fraud Analyst to join our team in the Tallinn office. This role is a unique opportunity to have an impact on Wise’s mission, grow as an analyst, help save millions more people money and work in a disruptive, fast-growing and fun environment.
Your mission:
Wise has already pioneered new ways for people to transfer money across borders and currencies. Our customers can also manage their hard-earned money with the world’s first platform to offer true multi-currency banking and convenient business solutions.
We have an awesome operational team handling Acquiring chargebacks; a unified team that works very closely with our dedicated engineering and product teams.
As a Acquiring Risk Fraud Analyst, you get to support your team’s operational success and bring your expertise to upscale the domain; driving detection and prevention focused initiatives with long-lasting impacts will be part of your daily work.
Here’s how you’ll be contributing to Acquiring Risk team:
Acquiring Fraud Prevention and Risk Management:

• Protect our Wise merchants from fraud chargeback losses

• Protect Wise from first party merchant fraud

• Proactively analyse merchant dispute trends and identify gaps in the acquiring fraud prevention rulesets in the pre-authorisation and post-authorisation flows.

• Acquiring fraud rule creation and optimisation to mitigate the impact of acquiring fraud on the following:
• Dispute rates (scheme compliance & fees)

• Chargeback loss rates (product cost)

• Wise merchant experience (rule precision)

• Understand and implement machine learning scores within static fraud rules to improve rule precision and recall.

• Contributing to longer term projects targeted at acquiring fraud reduction.

• Working with Acquiring Product and Engineering teams on rule engine improvements, and optimising the acquiring fraud customer journey from rule declines to rule alerts and dispute processing.

• Serve as a point of escalation for all things acquiring fraud prevention related to customer facing Ops teams.
Effective communication and teamwork skills

• Able to explain or present your work and key ideas in appropriate terms within their team and to their immediate stakeholders

• Able to present learnings and acquiring fraud trend analysis in a clear and concise manner with the team, and assist and peers when needed.
Incident Management

• Providing data and relevant insights to all stakeholders for the purposes of incident management

• Escalating risks sitting outside of the Acquiring Fraud domain (or appetite) to external stakeholders

Qualifications
• Your verbal and written English skills are excellent. If you speak other languages then that’s a bonus!

• You communicate findings clearly, in writing and out loud, to both technical and non-technical audiences.

• You have strong attention to detail, punctuality, and are comfortable taking initiatives.

• You are good with routine but can also adapt and keep up with fast changes.

• You are able to work independently but also know how important good team-work is.

• You can make decisions in critical situations and have the ability to multitask.

• You have hands-on experience with fraud prevention strategy - building rules, tuning thresholds, or running post-incident reviews.

• You have at least 1 year of experience creating fraud rules on a risk engine

• You are proficient in SQL, and have experience building queries extracting information from multiple data tables.

• Python is a bonus, not a requirement - if you can pull data or prototype checks in Python or a similar language, tell us.
Your Analytical and Strategic Abilities

• Able to independently prioritise your workflows (team specific & external escalations) well, delivering quality work that resolves issues within agreed timelines.

• Able to competently think through analytical tasks and fully understand the impact of acquiring fraud rules on the Acquiring product and on our customers.

• Deliver quality analysis that addresses the business problem.

• Comfortable with complexity and aware of key factors underlying a decision.

• Able to propose ideas autonomously to deflect acquiring fraud waves.

• Able to code both independently and in collaboration with other analysts, and write legible code that is usable by others.

• Able to test fraud rule conditions autonomously and troubleshoot code and risk engine related issues.

• Comfortable learning new data analysis techniques and methods.
Questions you should regularly ask yourself:

• What could I do to magnify the impact of the current detection strategies? How do I stop more fraud with a similar prevention strategy?

• What is lacking right now with our Tools that would increase the effectiveness of our prevention strategies without causing a similar increase in customer impact?

• Where we are today versus where we want/need to be in 6 months/12 months etc? (What Product/Scheme/Compliance c

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